Supposedly, one is able to monitor their credit rating with the three major credit bureaus to prevent/stop identity theft. However, the yearly report can only be viewed by answering questions about credit history. But how can you be expected to know your entire credit history if the very reason for the service is to monitor credit history? Hypothetically, if someone's identity is stolen and used to open several accounts, they would have to (potentially) give details of those accounts in order to discover their identity has been stolen. Is there some other way to authenticate identity to the major credit bureaus other than history?